Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$290,065Cash toward the purchase price.
Closing costs + prepaids$14,737Not just lender fees.
Before credits & paid funds$304,802The complete starting cash picture.
Estimated remaining funds due at closing
$304,802No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$290,065.08
Your down payment$290,065.08
Closing costs + prepaids$14,737.00
Total buyer cash needed$304,802.08
Remaining funds due$304,802.08
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,199.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,299.75
Initial HOA (3 months)$1,125.00
Prepaid interest, first (28 days)$638.25
Fees + prepaids$14,737.00
Your down payment is the seller’s equity. You take over the $229,835 balance, so the rest of the $519,900 price is paid at closing. A second mortgage can cover part of it. $304,802.08 is due at closing. Uses and sources reconcile at $534,637.00 each. Not a Closing Disclosure.